Downsizing Your Empty Nest to Make Way for the Future

Downsizing Your Empty Nest to Make Way for the Future

More and more empty nesters are finding that downsizing to a smaller home is a sound financial decision. When kids have left the house, you may realize that much of the space in your home is going unused. Downsizing to a smaller place that better suits your needs can free up some of the money you have invested in your home, giving you more financial freedom and more time to devote to whatever comes next in life.

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Sometimes Taking The Penalty Is The Smart Play

Sometimes Taking The Penalty Is The Smart Play

I love hockey. As I write this, the third round of the playoffs is in full swing and the only thing that isn’t awesome about it is that my team isn’t playing. Sad face emoticon.

As in all sports, there are rules. Sometimes players break those rules and there is a consequence. In hockey, that usually takes the form of a player being sent to the penalty box for a period of time and his team being shorthanded on the ice for the duration of that penalty. It is a pretty significant disadvantage for the team that is down a player, and sometimes it results in a goal against (statistically about 1 in 5 times, but that varies depending on how good the players are). Once in a while, the shorthanded team will score (a much, much lower statistic that I am too lazy to Google at the moment). The outcome of a game can turn on a penalty and a resulting power play goal. Coaches bench players over it. The ‘skate of shame’ back to the player’s bench from the penalty box after a goal is scored during a penalty the player took is one of the most dreaded moments a player can experience. Generally, it is considered a bad idea to take a penalty.

Generally.

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Twenty and a Day

Twenty and a Day

If you’ve read this site with a keen eye, you’ve probably caught the fact that I spent a handful of years as a police officer.  During that period, I had the opportunity to meet Frank Scalise, a sergeant who became a friend and writing partner.  While on the department together, we shared and edited each other’s work while encouraging each other to keep putting words to paper.

Sometimes life gets in the way and people go different directions.  Frank and I lost contact for extended periods of time, but would occasionally meet to catch up on where we were.  Frank was always forging ahead with his writing career, while mine had stalled, due to my own self-doubt and loss of vision.  After a recent move, Frank and I reconnected via email and have corresponded more in the past several months than we have in years.  It’s a friendship I’m glad that’s been rekindled.

Frank, writing under the pseudonym Frank Zafiro, released several books in his River City series before we collaborated on Some Degree of Murder, a tale set in his fictional world.   This isn’t a tale about how our book came about, but rather how Frank left the police department to pursue his passion.

He’s got a great story about reaching for your dream that I’ve asked him to share.  I believe it dovetails nicely into what we’re all trying to accomplish in the pursuit of financial independence, lifestyle design and/or early retirement.

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